Post-Separation Mortgage Strategy
Navigate your next chapter with clarity and support
Going through a separation or divorce is never easy — emotionally or financially. At Valko Financial, we’re here to help you take control of your next chapter with non-judgmental, personalized guidance that puts your future first. Whether you’re navigating a buyout, refinancing on your own, or looking to secure a new place to call home, we’ll build a plan that supports your stability, independence, and peace of mind.
From removing or adding names on a mortgage, to consolidating joint debt or accessing equity, we work closely with lawyers and mediators to ensure your financial transition is as smooth as possible. You don’t have to figure it all out alone — we’re here to help you move forward with confidence.
This service is ideal if you’re separating and want to stay in your home, plan to buy independently, or need to protect your credit and financial future during a split.
Can I qualify for a mortgage on my own after a separation?
Yes — even if your income or financial situation has changed. We’ll help you understand your borrowing power, explore lender options, and create a strategy to qualify based on your new circumstances.
How do I remove my ex-partner’s name from the mortgage or property title?
This typically involves refinancing the mortgage in your name alone and updating the legal ownership through your lawyer. We’ll guide you through each step and work with your legal team to make the process as smooth as possible.
What if we have joint debt — can that be separated too?
Yes. Refinancing or debt consolidation can help divide joint liabilities and protect your credit. We’ll help you create a plan to manage debt fairly and minimize the long-term financial impact of your separation.
Tahmina
4 days ago
A heartfelt thank you to Tracy Valko & the Valko Financial Team There are seasons when life shifts beneath you — and in one of those seasons, Tracy and her team became steady ground. From the first conversation, they saw me as a whole person, not just a file. Their wisdom, professionalism, and calm communication carried us through every challenge with clarity and care. Tracy’s expert guidance, paired with her incredible referral network, made selling our home — with renovations, staging, packing, and moving — an experience filled with trust and ease. Every person she connected us with was both professional and deeply kind. What could have been overwhelming became organized, supported, and even beautiful. I’m endlessly grateful for how they lightened the load and helped turn a life-changing transition into something I could move through with peace after an incredibly difficult year. I would work with Tracy, her team, and her referral network again in a heartbeat — not just for their expertise, but for the heart they bring to everything they do.
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Maddi Kolberg
4 days ago
We had an excellent experience working with Tracy Valkos team, specifically Cindy, for our first mortgage! Their team was incredibly knowledgeable and patient, taking the time to answer every single question we had along the way. As first-time buyers, we really appreciated their expertise and guidance through the entire process — it made everything feel smooth and stress-free. We’ll absolutely reach out to them again in the future and highly recommend this team to anyone looking mortgage assistance.
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Delaney Kasfah
4 days ago
Ready to explore your options?
Let’s chat about your goals and see if refinancing makes sense for you. We’ll run the numbers, compare your options, and help you make a confident decision.